BlastPoint's Credit Union Scorecard
PROFED
Charter #17012 · IN
PROFED has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 62.5% in tier
- + Credit Quality Leader: Top 72.0% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 0.20% above tier average
- + Total Members: Top 4.1% in tier
- + Total Assets: Top 7.1% in tier
- + Total Deposits: Top 7.7% in tier
- + Net Charge-Off Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.0% in tier
- - Cost Spiral: Bottom 7.8% in tier
- - Stagnation Risk: Bottom 19.8% in tier
- - Indirect Auto Dependency: Bottom 27.0% in tier
- - Membership Headwinds: Bottom 28.1% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,025
-1.1% YoY-3.2% QoQ
|
+24.3K |
39,752
-2.7% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Top 4.7% in tier |
| Assets |
$736.0M
+3.1% YoY+0.9% QoQ
|
+$113.6M |
$622.4M
+0.3% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 7.7% in tier |
| Loans |
$512.2M
+2.1% YoY+1.0% QoQ
|
+$76.3M |
$435.9M
-0.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$632.7M
+1.7% YoY+0.3% QoQ
|
+$94.7M |
$538.0M
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 8.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
-31.4% YoY+8.2% QoQ
|
+0.7% |
0.7%
+33.9% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 10.7% in tier |
| NIM |
3.6%
+5.2% YoY+2.4% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
74.2%
+12.5% YoY-2.0% QoQ
|
-3.9% |
78.1%
-3.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.3%
-42.5% YoY+14.5% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
15% |
| Loan To Share |
81.0%
+0.4% YoY+0.7% QoQ
|
-0.1% |
81.0%
-1.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$17,882
+3.0% YoY+3.9% QoQ
|
$-9K |
$26,482
+2.6% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
21.3%
+4.2% YoY+0.2% QoQ
|
-3.2% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
39% |
| Indirect Auto % |
18.0%
-9.7% YoY+0.7% QoQ
|
+4.1% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
67% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)